New Year Resolution I don’t normally make a New Year Resolution (the Jewish New Year has come and gone); however, for 2020 I have made a massive resolution for the next decade. GET OUT OF DEBT AND STAY OUT! I did really well in 2019 to pay off my store cards and then when they […]

Debt snowballing is a term used by Dave Ramsey to explain how to pay off debt. I have written about this before but it is such an amazing way to pay off debt. It may not be fast but it definitely produces results. As with creating a snowball from snow, you start off with a […]

Debt cents is another way to begin lowering what you currently owe. It may take longer than the debt snowballing I previously wrote about. Debt free for R40 per month extra What is debt cents Debts cents is where you take your minimum monthly repayment on any current debts and round it up to the nearest […]

Do you want to be debt free? I know I do. About 5 years ago I came across a man name Dave Ramsay. What he had to say about getting out of debt made so much sense. Though he was talking about the USA, a lot of his techniques translate relatively well for South Africa. […]